Transparency matters. This is the central place for RMO’s important financial disclosures, how the company is structured and regulated, and every RMO legal document — terms, privacy notices, and policies — in one place.
These disclosures apply across the RMO family of products. Specific terms, rates, and fees for an individual product are provided on that product’s page and in the documents you receive before opening an account or policy.
Investment and insurance products offered through RMO are:
Some banking services and deposit accounts may be provided through partner banks, Members FDIC. RMO Bank deposit accounts are FDIC-insured up to applicable limits — standard coverage is $250,000 per depositor, per insured bank, per ownership category.
Insurance products are state-licensed. Availability, coverage, terms, and pricing vary by state and are subject to underwriting and eligibility requirements.
Loans, credit cards, and other credit products are subject to credit approval and to applicable rates, terms, and conditions. Not all products are available in every state. Current rates are published on the Rates page.
RMO Corporation is the parent holding company for a family of subsidiaries, each focused on a specific kind of product or service — banking, lending, insurance, protection plans, payments, and more. You can see the full list on the company directory.
Each RMO division provides its products under the laws, licensing requirements, and regulatory oversight that apply to those products. Deposit banking, insurance, lending, and payment services are each governed by their own federal and state frameworks.
RMO is committed to fair, equal, and non-discriminatory access to its products and services. RMO supports equal credit opportunity and fair-housing and fair-lending principles, and does not discriminate on any basis prohibited by applicable law.
How RMO collects, uses, and protects personal information — and the choices you have — is described in the privacy notices below. Manage non-essential emails via Email Preferences, or visit the Security Center for account-safety guidance.
The agreements, notices, and policies that govern your use of RMO products and this website.
The master agreement governing your membership, accounts, and use of RMO products and services.
ReadTerms for using RMO’s website, mobile app, and digital banking and account services.
ReadHow RMO delivers disclosures electronically, and your consent to electronic records and signatures.
ReadProgram terms, message frequency, rates, and how to opt out of RMO text messages.
ReadTerms for sending, receiving, and managing money with RMOPay.
ReadHow payments, transfers, authorizations, and settlement work across RMO products.
ReadEligibility, timeframes, and the process for exchanging items purchased from RMO.
ReadConditions and timeframes for returning eligible items for a refund.
ReadShipping options, processing times, costs, and delivery terms for RMO orders.
ReadHow RMO collects, uses, shares, and protects your personal information — and your choices.
ReadThe federal GLBA notice describing financial-information sharing and your opt-out rights.
ReadPrivacy practices and rights for individuals in the United States.
ReadPrivacy practices and rights for individuals in Canada under PIPEDA.
ReadAviso de privacidad para residentes de México.
ReadWhat data RMO collects across its websites and services, and how it is used.
ReadYour California (CCPA) right to opt out of the sale or sharing of personal information.
ReadWhy RMO asks for identifying information when you open an account, as required by federal law.
ReadThe terms governing deposits, withdrawals, transfers, payments, and other transactions.
ReadLaw enforcement & government agencies: see Law Enforcement Requests for how to submit subpoenas, court orders, preservation requests, and other legal process to RMO.
If you have a question about a disclosure or policy, or wish to raise a concern or file a complaint, RMO wants to hear from you.
Reach RMO by phone, email, or chat with any question about disclosures or policies.
Contact RMOShare feedback or raise a formal concern through the RMO feedback channel.
Give FeedbackFraud prevention, account-safety guidance, and how to report a security concern.
Visit Security Center